Tag Archives: Credit Card

Airambulance Coverage Myths

People fly across borders frequently for purposes ranging from recreation to business. One concern that bothers most of these travellers is reaching home safely in case there is a health eventuality. It must be noted that airambulance services can be quite expensive and cost more than $100,000 if you do not have adequate coverage. Yet, people tend to ignore medical flight cost coverage. This happens mainly due to misinformation. Here, we burst a few of such myths.

Airambulance Coverage Comes with Health Insurance Policy

This is the biggest myth that costs most people dearly. While some insurance companies cover a few air ambulance service providers, not all are covered. It is vital that you discuss the kind of coverage that your health insurance policy covers. Look at the coverage both domestically as well as internationally. Also, there is hardly any insurance policy that transfers patients to the hospital of their choice.

Travel Insurance and Air Ambulance Coverage are the Same

There can be nothing which is further from the truth. Travel insurance, unless specifically stated, does not cover air ambulance costs. You might be left to fend for yourself in foreign land where healthcare facilities are not up to your satisfaction. If your travel insurance brings you additional cover for medical flights, go for it. Otherwise, go for an additional cover through another agency.

Coverage for International Air Ambulance is Expensive

There is no truth in this statement. Coverage is often surprisingly cheap and does not cost more than $100-150. You can even get your entire family covered for an amount like that. Memberships are usually annual which means you’ll have to keep renewing it – a small price to pay if you fly frequently. Note that such coverage is available for both national and international travel.

Coverage through Credit Cards is Enough

Does your credit card take you to the nearest appropriate facility only or does it take you to the facility of your choice? Are you expected to make the arrangement for air ambulance? What distance is covered? These are just a few of the questions that you need to ask before solely relying on credit card air evacuation coverage.

If you have more questions regarding airambulance coverage, feel free to ask your questions in the comment section below. We’d love to allay your concerns.

Credit Cards and Air Ambulance Transport

So your credit card says that it will get you medical help during times of emergency. But does that mean you can rest assured that you will reach your home in the United States? What you need to do is read the fine print. If a part of the terms and condition reads that you will be transported to the nearest appropriate medical facility, you might be in trouble. Yes, you might get help, but you might end up getting that help quite far from you home and sometimes not even in your home country. Now, if you are travelling overseas, this can pose serious concerns for you, and you might still end up paying tens of thousands of dollars for evacuation via air ambulance transport.

Ensuring Adequate Air Ambulance Transport

If you are going to rely on your credit card to cover the risk of using air ambulance transport, ensure that you get answers for the following questions:

What is the financial limit of the air ambulance transport?

Some credit cards might set a limit beyond which you might have to pay out of pocket. Knowing the limit will help you prepare financially.

Are there any terms and conditions?

If the credit card does not cover air ambulance transport for pre-existing illnesses, you might be in trouble when your existing illness like a heart condition flares up unexpectedly. Moreover, it is important that you cover this risk as you are more likely to need air ambulance transport for a pre-existing condition.

Do I have the privilege of choosing the hospital?

You do not want to end up in a hospital that is too far away from your home. Also, you might not feel confident getting yourself treated in a hospital that you do not know of.

Can my family travel with me?

You might want your family to accompany you during your air ambulance transport, just so that you feel reassured and comfortable, so check whether your agreement with the credit card allows you this privilege.

At the end of it, there are credit cards that allow you good coverage for a reasonable price. On your part, be wise and proactively check what you are getting into so that you remain safe.